An accident is every incidental and unintentional act that results in death or injury (permanent or partial disability), health damage that requires hospital treatment and/or treatment costs.

Depending on the insurance product type, the following risks can be covered:

   Risk of death by accident

   Risk of death by disease

   Dread disease

   Permanent disability

   Bone fracture

   Medical treatment costs

   Daily hospital stay allowance

Any person up to the age of 75 can be insured by accident insurance.

Children, adults, close family members can be insured against accident. Also, employees can be insured against accident by the owner/director of their company of employment.

It is a permanent loss of functions or body part/organs, determined after completed medical treatment.

A payout is made for the costs of actual and necessary treatments that took place within one year following the accident and which are not covered by the state or other type of health insurance.

Agreed fixed fee is paid in case of a dread disease, regardless whether it entails additional payment of insured amount for other agreed risks.

Agreed fixed fee is paid in case of bone fracture, regardless whether it entails additional payment of insured amount for permanent disability.

Hospital stay allowance is paid for each day that an insured person spends in hospital, but no longer than 180 days.

Individual – for children up to 14 years and others not older than 75 years of age

Family – insurance of all family members (spouses/extramarital partners and their children)

•  indefinite period of insurance
•  premium payment in instalments
•  24/7 insurance

The insurance premium is the amount paid by the insured person based on the agreed insurance policy and depending on the type of insurance.